The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 495 3,518 SH   SOLE   0 0 3,518
ABBVIE INC COM 00287Y109 591 4,366 SH   SOLE   0 0 4,366
ADOBE SYSTEMS INCORPORATED COM 00724F101 245 432 SH   SOLE   0 0 432
ALPHABET INC CAP STK CL A 02079K305 14,039 4,846 SH   SOLE   0 0 4,846
ALPHABET INC CAP STK CL C 02079K107 440 152 SH   SOLE   0 0 152
AMAZON COM INC COM 023135106 12,861 3,857 SH   SOLE   0 0 3,857
AMERICAN TOWER CORP NEW COM 03027X100 1,751 5,987 SH   SOLE   0 0 5,987
APPLE INC COM 037833100 17,349 97,704 SH   SOLE   0 0 97,704
AUTOMATIC DATA PROCESSING IN COM 053015103 2,540 10,300 SH   SOLE   0 0 10,300
BANK NEW YORK MELLON CORP COM 064058100 260 4,485 SH   SOLE   0 0 4,485
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,651 8,865 SH   SOLE   0 0 8,865
BLACKSTONE INC COM 09260D107 3,323 25,682 SH   SOLE   0 0 25,682
BRISTOL-MYERS SQUIBB CO COM 110122108 2,153 34,527 SH   SOLE   0 0 34,527
CATERPILLAR INC COM 149123101 252 1,218 SH   SOLE   0 0 1,218
CHEVRON CORP NEW COM 166764100 2,674 22,788 SH   SOLE   0 0 22,788
CISCO SYS INC COM 17275R102 466 7,351 SH   SOLE   0 0 7,351
CITIZENS FINL GROUP INC COM 174610105 1,880 39,783 SH   SOLE   0 0 39,783
COLGATE PALMOLIVE CO COM 194162103 537 6,296 SH   SOLE   0 0 6,296
COMCAST CORP NEW CL A 20030N101 296 5,876 SH   SOLE   0 0 5,876
COSTCO WHSL CORP NEW COM 22160K105 8,811 15,521 SH   SOLE   0 0 15,521
CROWN HLDGS INC COM 228368106 277 2,507 SH   SOLE   0 0 2,507
D R HORTON INC COM 23331A109 1,209 11,144 SH   SOLE   0 0 11,144
DEERE & CO COM 244199105 404 1,177 SH   SOLE   0 0 1,177
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 279 4,645 SH   SOLE   0 0 4,645
DISNEY WALT CO COM 254687106 5,974 38,567 SH   SOLE   0 0 38,567
EASTMAN CHEM CO COM 277432100 1,528 12,638 SH   SOLE   0 0 12,638
EDWARDS LIFESCIENCES CORP COM 28176E108 3,079 23,767 SH   SOLE   0 0 23,767
EOG RES INC COM 26875P101 1,319 14,851 SH   SOLE   0 0 14,851
EXXON MOBIL CORP COM 30231G102 265 4,324 SH   SOLE   0 0 4,324
FLEXSTEEL INDS INC COM 339382103 298 11,112 SH   SOLE   0 0 11,112
FULTON FINL CORP PA COM 360271100 823 48,403 SH   SOLE   0 0 48,403
GAMING & LEISURE PPTYS INC COM 36467J108 218 4,490 SH   SOLE   0 0 4,490
GENERAL DYNAMICS CORP COM 369550108 420 2,013 SH   SOLE   0 0 2,013
HEICO CORP NEW CL A 422806208 228 1,777 SH   SOLE   0 0 1,777
HEICO CORP NEW COM 422806109 282 1,957 SH   SOLE   0 0 1,957
HENRY SCHEIN INC COM 806407102 1,082 13,962 SH   SOLE   0 0 13,962
HERSHEY CO COM 427866108 1,353 6,992 SH   SOLE   0 0 6,992
HOLOGIC INC COM 436440101 1,942 25,365 SH   SOLE   0 0 25,365
HOME DEPOT INC COM 437076102 1,860 4,481 SH   SOLE   0 0 4,481
HONEYWELL INTL INC COM 438516106 237 1,137 SH   SOLE   0 0 1,137
ILLINOIS TOOL WKS INC COM 452308109 1,643 6,656 SH   SOLE   0 0 6,656
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,217 16,208 SH   SOLE   0 0 16,208
INTERNATIONAL BUSINESS MACHS COM 459200101 1,180 8,828 SH   SOLE   0 0 8,828
ISHARES INC CORE MSCI EMKT 46434G103 15,228 254,393 SH   SOLE   0 0 254,393
ISHARES TR 3 7 YR TREAS BD 464288661 9,398 73,037 SH   SOLE   0 0 73,037
ISHARES TR A RATE CP BD ETF 46429B291 4,695 83,744 SH   SOLE   0 0 83,744
ISHARES TR AGENCY BOND ETF 464288166 11,055 94,352 SH   SOLE   0 0 94,352
ISHARES TR CORE MSCI EAFE 46432F842 94,485 1,265,878 SH   SOLE   0 0 1,265,878
ISHARES TR CORE MSCI TOTAL 46432F834 204 2,881 SH   SOLE   0 0 2,881
ISHARES TR CORE S&P MCP ETF 464287507 39,621 139,963 SH   SOLE   0 0 139,963
ISHARES TR CORE S&P SCP ETF 464287804 32,005 279,498 SH   SOLE   0 0 279,498
ISHARES TR CORE S&P500 ETF 464287200 94,240 197,573 SH   SOLE   0 0 197,573
ISHARES TR CORE US AGGBD ET 464287226 829 7,270 SH   SOLE   0 0 7,270
ISHARES TR ESG AWR MSCI USA 46435G425 386 3,574 SH   SOLE   0 0 3,574
ISHARES TR MBS ETF 464288588 19,021 177,052 SH   SOLE   0 0 177,052
ISHARES TR NATIONAL MUN ETF 464288414 380 3,269 SH   SOLE   0 0 3,269
ISHARES TR RUS MID CAP ETF 464287499 1,216 14,646 SH   SOLE   0 0 14,646
ISHARES TR RUSSELL 2000 ETF 464287655 1,943 8,734 SH   SOLE   0 0 8,734
ISHARES TR RUSSELL 3000 ETF 464287689 478 1,724 SH   SOLE   0 0 1,724
ISHARES TR S&P 500 GRWT ETF 464287309 10,418 124,514 SH   SOLE   0 0 124,514
ISHARES TR S&P 500 VAL ETF 464287408 6,544 41,778 SH   SOLE   0 0 41,778
ISHARES TR S&P MC 400GR ETF 464287606 1,305 15,301 SH   SOLE   0 0 15,301
JOHNSON & JOHNSON COM 478160104 7,741 45,252 SH   SOLE   0 0 45,252
JPMORGAN CHASE & CO COM 46625H100 2,559 16,160 SH   SOLE   0 0 16,160
LILLY ELI & CO COM 532457108 223 807 SH   SOLE   0 0 807
LOCKHEED MARTIN CORP COM 539830109 936 2,634 SH   SOLE   0 0 2,634
LULULEMON ATHLETICA INC COM 550021109 242 617 SH   SOLE   0 0 617
M & T BK CORP COM 55261F104 338 2,203 SH   SOLE   0 0 2,203
MARKEL CORP COM 570535104 960 778 SH   SOLE   0 0 778
MARRIOTT INTL INC NEW CL A 571903202 239 1,448 SH   SOLE   0 0 1,448
MARSH & MCLENNAN COS INC COM 571748102 226 1,303 SH   SOLE   0 0 1,303
MASTERCARD INCORPORATED CL A 57636Q104 8,764 24,390 SH   SOLE   0 0 24,390
MCDONALDS CORP COM 580135101 2,634 9,825 SH   SOLE   0 0 9,825
MERCK & CO INC COM 58933Y105 200 2,613 SH   SOLE   0 0 2,613
META PLATFORMS INC CL A 30303M102 2,638 7,843 SH   SOLE   0 0 7,843
MICRON TECHNOLOGY INC COM 595112103 1,393 14,959 SH   SOLE   0 0 14,959
MICROSOFT CORP COM 594918104 20,154 59,926 SH   SOLE   0 0 59,926
MID-AMER APT CMNTYS INC COM 59522J103 2,868 12,500 SH   SOLE   0 0 12,500
NIKE INC CL B 654106103 3,793 22,759 SH   SOLE   0 0 22,759
NOVO-NORDISK A S ADR 670100205 5,053 45,119 SH   SOLE   0 0 45,119
NVIDIA CORPORATION COM 67066G104 851 2,892 SH   SOLE   0 0 2,892
ORACLE CORP COM 68389X105 290 3,327 SH   SOLE   0 0 3,327
PEPSICO INC COM 713448108 1,982 11,410 SH   SOLE   0 0 11,410
PFIZER INC COM 717081103 803 13,593 SH   SOLE   0 0 13,593
PROCTER AND GAMBLE CO COM 742718109 2,776 16,968 SH   SOLE   0 0 16,968
PRUDENTIAL FINL INC COM 744320102 1,511 13,961 SH   SOLE   0 0 13,961
ROKU INC COM CL A 77543R102 251 1,100 SH   SOLE   0 0 1,100
ROPER TECHNOLOGIES INC COM 776696106 4,183 8,504 SH   SOLE   0 0 8,504
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 13,603 459,252 SH   SOLE   0 0 459,252
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 21,561 554,690 SH   SOLE   0 0 554,690
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,759 84,774 SH   SOLE   0 0 84,774
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,163 77,227 SH   SOLE   0 0 77,227
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,502 39,839 SH   SOLE   0 0 39,839
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 890 11,017 SH   SOLE   0 0 11,017
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 14,000 85,498 SH   SOLE   0 0 85,498
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 6,755 92,257 SH   SOLE   0 0 92,257
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 72,136 633,773 SH   SOLE   0 0 633,773
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 42,327 526,257 SH   SOLE   0 0 526,257
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 28,117 274,582 SH   SOLE   0 0 274,582
SERVICENOW INC COM 81762P102 289 445 SH   SOLE   0 0 445
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1,585 54,076 SH   SOLE   0 0 54,076
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,197 8,836 SH   SOLE   0 0 8,836
TARGET CORP COM 87612E106 1,964 8,486 SH   SOLE   0 0 8,486
TESLA INC COM 88160R101 404 382 SH   SOLE   0 0 382
THERMO FISHER SCIENTIFIC INC COM 883556102 12,766 19,132 SH   SOLE   0 0 19,132
TRANE TECHNOLOGIES PLC SHS G8994E103 2,221 10,991 SH   SOLE   0 0 10,991
TRUIST FINL CORP COM 89832Q109 1,771 30,250 SH   SOLE   0 0 30,250
UNION PAC CORP COM 907818108 6,058 24,045 SH   SOLE   0 0 24,045
UNITED RENTALS INC COM 911363109 2,535 7,628 SH   SOLE   0 0 7,628
UNITEDHEALTH GROUP INC COM 91324P102 1,268 2,524 SH   SOLE   0 0 2,524
US BANCORP DEL COM NEW 902973304 1,318 23,470 SH   SOLE   0 0 23,470
VANGUARD INDEX FDS GROWTH ETF 922908736 584 1,819 SH   SOLE   0 0 1,819
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 451 1,771 SH   SOLE   0 0 1,771
VANGUARD INDEX FDS MID CAP ETF 922908629 9,508 37,321 SH   SOLE   0 0 37,321
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,382 5,455 SH   SOLE   0 0 5,455
VANGUARD INDEX FDS SML CP GRW ETF 922908595 596 2,117 SH   SOLE   0 0 2,117
VANGUARD INDEX FDS TOTAL STK MKT 922908769 316 1,311 SH   SOLE   0 0 1,311
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 255 4,642 SH   SOLE   0 0 4,642
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 12,233 184,035 SH   SOLE   0 0 184,035
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 21,522 232,020 SH   SOLE   0 0 232,020
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 22,670 429,027 SH   SOLE   0 0 429,027
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,324 20,834 SH   SOLE   0 0 20,834
VEEVA SYS INC CL A COM 922475108 312 1,220 SH   SOLE   0 0 1,220
VERIZON COMMUNICATIONS INC COM 92343V104 226 4,348 SH   SOLE   0 0 4,348
VISA INC COM CL A 92826C839 334 1,539 SH   SOLE   0 0 1,539
WHIRLPOOL CORP COM 963320106 1,471 6,270 SH   SOLE   0 0 6,270